Planning For Emergency Financial Situations

Emergency financial situations can happen to anybody and any financial arrangement exercise is not ideal without planning for such occasions. The whole idea of having an emergency fund is to offer a cushion against any unexpected expense.

This will ensure it does not have any negative impact on your financial condition and does not rip off the whole financial security.

There are many circumstances which can cause a financial emergency such as a sudden illness, accident, medical emergencies, emergency house repairs, loss of a job, emergency car repairs and much more.

The major reason for having an emergency fund is very clear because when a person falls into an emergency financial situation, they will have to break their savings or make a compromise to get the needed money.

It’s not rare to find people who just take out their credit card and swipe it for hard cash. Opposing popular opinions, credit cards are the worst way to fund any financial emergency. The fastest way to get thousands of dollars its to get a car title loan it is not a long-term solution but a short-term solution.

In a circumstance where you’ve taken a cash advance with your credit card to get the needed money, the credit card company will charge you a cash advance fee with an interest rate. This is a very costly way to borrow and manage finances for emergency situations.

Therefore, what is the best amount that should be set aside as emergency money? There are diverse opinions on it. Some professional’s experts agree that a minimum of 3-6 months’ worth of monthly income should be set aside for an emergency situation. This amount can differ according to marital status, the size of family and lifestyle.

Everyone must reserve some extra cash in case of emergencies. But, the amount to reserve depends on your income and monthly expenses. The amount that is needed for your emergency fund is open to debate, the minimum amount should be sufficient to cover your expenses for daily living for at least 3 months. It’s also ideal to save for 6 months even though some financial advisers agree on a full year worth of cash.

These funds must be kept aside in an instrument, which is easily available when needed. It could be money in a bank account, hard cash, liquid funds or fixed deposits. This will ensure the fund is always accessible instantly or within a short period when it’s needed.

Where to Keep the Cash

Your situations and what can offer you peace of mind are the factors that can help you determine how cautious you want to be. Keep your emergency fund somewhere that is safe and accessible because you may be required to get the cash in a hurry when an emergency arises. The best option you’ve is to open a money market account or savings account. But, always examine their offer with regards to the interest rate, minimum balance, and other terms.

4 Popular Online Free Shooting Games

If you are a fan of video or computer games then you know it has taken a lot of alterations and advancements to get to the level that they are at these days. In the past and even in some cases today, video games can cost you a lot of money to purchase; however, with the emergence of free online games, you no longer have to spend cash on games to enjoy a good game. If you are a lover of action, then online games will not disappoint you since there are numerous types of free shooting games online. Some of the most popular online games that you are sure to enjoy include the following:

> F.E.A.R. Combat

If you have never played this free online game then you are missing some hot action. For those of you who do not know, F.E.A.R is a short form of First Encounter Assault Recon. Many people have been playing this game for many years on their computer but now can enjoy the newly released multi-player online version. Though the name is just an acronym, fear suns up the theme of the game. You can either choose to play a Special Forces member or as one of the cloned soldiers. You can now download the game free from various online sites.

> Gunz the Duel

This is not just any other online shooter game. It offers the ultimate experience in terms of graphics and effects. The game allows you to use both guns and swords as your weapons to fight bad forces. It involves acrobatic features that create are entertaining to watch. You can acquire new and advanced weapons by attaining higher levels of the game or by purchasing using real money. Once you download the game, use your web browser to start it whenever you want to play.

> Warsow

This is a fast shooting game featuring interesting acrobatic moves to keep you glued to the screen. Some of the acrobatic moves are complicated but once you learn them you can really move fast in the game. To help you get the hang of it, the game comes with a few tutorials. It is as much about shooting as acrobatics.

> Nexuiz

This is the fourth most popular online shooting game that you can download and play free. The game is fast paced an employs the use of unique weapons besides guns. If you want to experience some adrenaline rush then this is your game.

4 Things to Think About When Buying From Car Dealers

Before you go to visit car dealers, it’s worth putting in a little time to research options. This is a process you don’t necessarily have to undertake alone. Salespeople can be useful allies in this acquisition, both in the initial purchase and further down the road. Here are a few things you can do to better equip yourself for the experience:

Do Your Research

The internet has allowed us to connect in ways we could not have imagined and allows for a level of transparency not seen before. This is advantageous for someone in the market for a new vehicle. You have the ability to compare prices, conditions, makes, and models at several different car dealers without leaving your home. You can even begin communicating with a salesperson online via email or chat features, building a relationship with him before you ever step foot on the lot.

Leasing and Financing Options

Purchasing a new or like-new vehicle is a big financial undertaking. You may opt not to take on this burden all at once. Leasing and financing are both options you can consider to alleviate the initial cost of buying an automobile. And a salesperson can be very helpful in navigating these options. Since they have worked with many customers, they have a comprehensive view of the market and would be able to tell you the benefits and drawbacks of leasing and financing for someone in your unique financial situation.

Leasing and financing are also both useful options because many car dealers have begun to offer maintenance packages with their loans. This means that you won’t have to worry about where to take your automobile when you need an oil change or your tires rotated.

Online Estimators

Many car dealers have started offering value estimators on their websites. This means you can get an idea of what your trade-in is worth without ever leaving your home. Online resources can also provide information about common problems with certain models. The reasoning for the value of an automobile often includes customer complaints about that model.

See the Car in Person

Terms like “good” or “like-new” can seem incredibly vague until you see the vehicle and its condition yourself. A salesperson will also be able to tell you about recent maintenance and body work, giving you a more comprehensive view of the automobile’s condition and value.

Good car dealers will always be open and upfront about the process of buying a vehicle. A salesperson will help you with the steps involved in getting you behind the wheel. These extra tips will allow you to purchase with confidence.